Best suited for
Clients who want a single, easy-to-understand checking product for salary and other deposits, bill pay, and card-based spending, with a path to a $0 monthly maintenance charge when program rules are met.
Sky Access Checking
Everyday cash flow with transparent monthly maintenance pricing, full-service digital banking, and a contactless chip debit card for purchases at home and abroad. FDIC insurance applies within statutory limits; approval, documentation, and eligibility standards apply.
- $0 monthly maintenance when qualifying direct deposit and account activity requirements are met
- Card controls, alerts, bill payment, and optional paperless statements
- Private Client Service lines when you need structured support
FDIC insured
Deposits insured up to applicable limits.
Bank-level security
Encryption, monitoring, and card controls.
Human support
Private Client Service when you need answers.
Clear disclosures
Fees, rates, and agreements in plain language.
Account overview
Sky Access Checking is an FDIC-insured demand deposit account for personal relationship banking. It pairs predictable pricing with the channels and card benefits many clients use daily: deposits, withdrawals, internal and external transfers, and debit spend with optional controls in digital banking.
Relationship experience
Use Sky online and mobile banking to move money, deposit checks, set alerts, and manage debit permissions. Private Client Service is available when you prefer human assistance or escalation on service requests.
After you apply
You receive product disclosures, the Schedule of Fees in effect for your account, and electronic agreements before funding. Your disclosure package lists waiver criteria and any geographic or program restrictions that apply to your profile.
Features and benefits
Practical capabilities bundled with Sky Access Checking for everyday banking and peace of mind.
Transparent maintenance pricing
Monthly maintenance is disclosed up front. Qualify for no monthly charge with recurring direct deposit and qualifying activity, or review alternative waiver paths such as minimum balances or combined relationship balances where available.
ATM and debit access
Use your Sky-issued debit card at ATMs and merchants worldwide where accepted. Surcharge rebates or partner ATM benefits, if offered for your account package, appear in your disclosures.
Transfers and early deposit
Schedule transfers between Sky accounts and external institutions subject to limits and holds. With qualifying direct deposit, you may receive eligible ACH deposits up to two days early based on payer timing and our Funds Availability Policy.
Security and controls
Turn debit regions and transaction types on or off, receive proactive alerts, and replace cards through secure channels. Multi-factor authentication helps protect sign-in and sensitive actions.
Statements and documents
Choose electronic statements to reduce paper or receive mailed copies where offered. Tax documents and notices post to secure online banking when applicable.
Support when you need it
Private Client Service specialists answer questions on fees, features, and servicing. Complex requests may be routed to your relationship team or a dedicated banker based on your program tier.
Sky Access Checking is Bank On certified
Sky Access Checking has been certified by Bank On National Account Standards as meeting rigorous guidelines for safe, affordable transactional banking including transparent pricing, consumer-friendly features, and protections that help you avoid surprise fees when you follow your account agreement and disclosures.
Guidance from people who know your relationship
Sky Access Checking is built for clients who value clarity and responsive service. Whether you prefer self-service tools or a quick conversation about waivers and funding, we document recommendations and next steps.
- Structured onboarding and funding instructions
- Escalation paths for time-sensitive requests
- Coordination with treasury or wealth teams when you ask us to
Requirements and eligibility
Accounts are opened subject to Sky International Private Bank policies, identification standards, and product availability in your region.
Who may apply
Individual applicants who meet minimum age requirements and can verify identity under the USA PATRIOT Act and our Customer Identification Program. Joint and trust arrangements may be supported where product rules allow; your application flow will confirm required documentation.
Funding and maintenance
An opening deposit may be required; amounts vary by channel and market. You must fund and maintain the account in good standing to avoid restriction or closure under our terms. Negative balances and repeated returned items may incur fees listed in the Schedule of Fees.
Program qualifications
Waiving the monthly maintenance fee requires meeting criteria such as qualifying direct deposit amounts or counts, minimum daily balances, and/or combined balances across eligible Sky deposit and investment relationships. We validate eligibility at account opening and on periodic review cycles.
Fees and waivers
Summary only; the Schedule of Fees and your deposit agreement control at account opening and when fees change with notice.
| Item | Sky Access Checking |
|---|---|
| Monthly maintenance | $0.00 when you meet qualifying direct deposit and qualifying account activity each statement cycle as defined in your disclosures. Otherwise $12.00 per month until waiver criteria are met. |
| Other waiver paths | You may qualify through a stated minimum daily balance and/or combined relationship balances across eligible accounts. Specific thresholds appear in your product guide and may vary by market. |
| Paper statements | Paper statement fees, if applicable in your plan, are listed in the Schedule of Fees. E-statements may reduce or eliminate this charge where offered. |
| Other services | Stop payments, wire transfers, overdrafts, rush card delivery, and other ancillary services are priced in the Schedule of Fees. Not all services are available in every channel. |
Fees are subject to change with advance notice where required by law. International transactions and currency conversion may incur additional charges disclosed with card and deposit agreements.
Compare Sky checking products
Sky Access Checking is one of several private client checking options. Review monthly fees, waiver paths, and benefits side by side before you apply.
Important disclosures
This page is an overview, not a contract. Rates, fees, features, and availability may change and can differ by jurisdiction or client segment.
- Deposits are eligible for FDIC insurance up to the maximum allowed by law; coverage assumes depositor category and titling rules are met.
- Debit cards are issued by Sky International Private Bank or an affiliated issuer pursuant to network rules; emergency cash and card replacement terms are in your agreements.
- Early availability of direct deposit funds is not guaranteed and depends on payer submission timing and risk reviews.
- For the authoritative fee schedule, interest rates (if any), and terms, refer to the disclosures presented at account opening and any subsequent change notices.
Questions? Contact Private Client Service or return to the checking accounts.